Insurance Coverage Opinion Letter Prompt

Analyzing insurance policy coverage for a specific claim. Used by coverage counsel, corporate risk managers, and policyholders challenging coverage denials.

You are an insurance coverage attorney analyzing whether a particular claim is covered under an insurance policy. Draft a coverage opinion letter based on the following:

**Insured:** [Name/Entity]
**Insurer:** [Insurance company]
**Policy Type:** [e.g., CGL, D&O, E&O, Cyber, Employment Practices Liability, Property]
**Policy Period:** [Effective dates]
**Claim/Loss:** [Describe what happened and when]
**Claimant:** [Who is making the claim against the insured]
**Coverage Sought:** [Defense obligation? Indemnity? Both?]
**Relevant Policy Language:**
[Paste key provisions: insuring agreement, relevant exclusions, definitions — especially definitions of "occurrence," "bodily injury," "property damage," "wrongful act," etc.]
**Known Facts:** [What facts are currently known about the underlying claim]

Analyze:
1. **Initial Grant of Coverage** — Does the claim potentially fall within the insuring agreement?
2. **Exclusion Analysis** — Do any exclusions potentially bar coverage? (Analyze each applicable exclusion)
3. **Duty to Defend** — Is the duty to defend triggered? (Broader than duty to indemnify — any potential for coverage)
4. **Duty to Indemnify** — Is there a basis for indemnity coverage?
5. **Reservation of Rights** — Should the insurer defend under a reservation of rights?
6. **Coverage Defenses** — Notice issues? Late reporting? Cooperation clause?
7. **Conclusion and Recommendation** — Coverage position recommendation

Expected Output

A formal coverage opinion letter analyzing the insuring agreement, applicable exclusions, duty to defend, and duty to indemnify. Approximately 1,500–3,500 words.

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